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21+ Printable Monthly Budget Templates

Staying within your budget each month is very much essential for aiding financial stability. Using a budgeting tool helps you to keep your finances organized. A simple and easy-to-use monthly budget samples can be used to tally up your income and expenditure and estimate their differences after identifying and considering all the factors involved. This will enable you to straighten out your finances and make some savings. Here is a collection of printable monthly Budget Templates.

Family Monthly Budget Template

This free monthly/yearly budget template separately categorizes the income and expense sections of your budget and it also includes fields for tracking your planned expenses and the actual expenses incurred.

Household Monthly Budget Template

This household monthly budget template enlists all household incomes, fixed monthly expenses, variable monthly expenses, and credit card and other debts to help you understand your financial situation- whether it is surplus or deficit.

Monthly Budget Report Template

Developed for equipping individuals with financial literacy, this section includes activities, worksheets, and resources for budgeting the different areas of their lives. You can use the template here for planning your monthly budget.

> How to structure your Budget?

Estimate your essential expenses: Every sort of bill including mortgage/rent, groceries, medical, maintenance, gas, gifts etc and your recurring savings deposit should be included in your total expenditure.

Stay within your budget: Never go beyond your means by opting to buy something that is not on your planned budget. This will help you to get financially stable.

Sample Monthly Budget for Adults & Families

This freely downloadable monthly budget template for adults and families enlists the different areas of your income and expenses. This file comes with a few instructions on how to plan your budget. You can also see School Budget Templates.

Retirement Monthly Budget Worksheet in PDF

This retirement monthly budget worksheet enlists the essential and the discretionary (non-essential) budget items on a monthly basis. On a rough basis, it is good to keep 70% of your expenses as essential.

Monthly Budget Calculator Template

This template helps plan your budget on the basis on your total income and total expenses. Listings of your income and expense related details and your budget plan estimates are offered in separate sheets.

Student Monthly Budgeting Worksheet

Designed exclusively for students, this template helps students to enlist their resources and calculate their semester financial aid, semester charges, refund bill, monthly income, monthly expenses, and monthly balance/shortfall.

> Tips to Manage and plan a Monthly Budget

Know your exact income: You need to have a grasp of your actual monthly income. This figure is not your salary. It is your take-home which is bereft of pension plan contributions, income tax, etc.

Document both your fixed and variable expenses

Concentrate on making some savings every month, no matter however little the amount may be. You can also see Free Budget Templates.

Keep a track of all your expenditures by retaining the receipts. After adding up these for two or three months, you can get an idea of the average amount spent on each category. This, in turn, will help you understand where you should cut back on spending.

Set both long and short-term financial goals.

Budget templates are great ways to document and organize your monthly budget plan. Choose an easy to work template like the MS Word template or the Excel Budget template. You can also set yearly financial goals and outline them using a yearly budget template. Whichever budget template you choose, make it a point to use it and stick to it.